# 12 U.S.C. § 5538: Mortgage loans; rulemaking procedures; enforcement

> Federal · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/usc_t12_s5538

## Section

- **Citation:** 12 U.S.C. § 5538
- **Heading:** Mortgage loans; rulemaking procedures; enforcement
- **Jurisdiction:** Federal
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** July 23, 2026
- **Source:** Publisher's official text
- **Location:** Title 12—BANKS AND BANKING > CHAPTER 53—WALL STREET REFORM AND CONSUMER PROTECTION > SUBCHAPTER V—BUREAU OF CONSUMER FINANCIAL PROTECTION > Part C—Specific Bureau Authorities

## Text

The Bureau of Consumer Financial Protection shall have authority to prescribe rules with respect to mortgage loans in accordance with section 553 of title 5 . Such rulemaking shall relate to unfair or deceptive acts or practices regarding mortgage loans, which may include unfair or deceptive acts or practices involving loan modification and foreclosure rescue services. Any violation of a rule prescribed under this paragraph shall be treated as a violation of a rule prohibiting unfair, deceptive, or abusive acts or practices under the Consumer Financial Protection Act of 2010 and a violation of a rule under section 18 of the Federal Trade Commission Act ( 15 U.S.C. 57a ) regarding unfair or deceptive acts or practices.

( Pub. L. 111–8, div. D, title VI, § 626(a) , (b), Mar. 11, 2009 , 123 Stat. 678 ; Pub. L. 111–24, title V, § 511(a) , May 22, 2009 , 123 Stat. 1763 ; Pub. L. 111–203, title X, § 1097 , July 21, 2010 , 124 Stat. 2102 .)

## Nearby sections

- [12 U.S.C. § 5491 Establishment of the Bureau of Consumer Financial Protection](https://www.frixlaw.com/law-library/statutes/usc_t12_s5491.md)
- [12 U.S.C. § 5492 Executive and administrative powers](https://www.frixlaw.com/law-library/statutes/usc_t12_s5492.md)
- [12 U.S.C. § 5493 Administration](https://www.frixlaw.com/law-library/statutes/usc_t12_s5493.md)
- [12 U.S.C. § 5494 Consumer Advisory Board](https://www.frixlaw.com/law-library/statutes/usc_t12_s5494.md)
- [12 U.S.C. § 5495 Coordination](https://www.frixlaw.com/law-library/statutes/usc_t12_s5495.md)
- [12 U.S.C. § 5496 Appearances before and reports to Congress](https://www.frixlaw.com/law-library/statutes/usc_t12_s5496.md)
- [12 U.S.C. § 5496a Annual audits](https://www.frixlaw.com/law-library/statutes/usc_t12_s5496a.md)
- [12 U.S.C. § 5496b GAO study of financial regulations](https://www.frixlaw.com/law-library/statutes/usc_t12_s5496b.md)
- [12 U.S.C. § 5497 Funding; penalties and fines](https://www.frixlaw.com/law-library/statutes/usc_t12_s5497.md)
- [12 U.S.C. § 5498 Data standards](https://www.frixlaw.com/law-library/statutes/usc_t12_s5498.md)
- [12 U.S.C. § 5499 Open data publication](https://www.frixlaw.com/law-library/statutes/usc_t12_s5499.md)
- [12 U.S.C. § 5511 Purpose, objectives, and functions](https://www.frixlaw.com/law-library/statutes/usc_t12_s5511.md)
- [12 U.S.C. § 5512 Rulemaking authority](https://www.frixlaw.com/law-library/statutes/usc_t12_s5512.md)
- [12 U.S.C. § 5513 Review of Bureau regulations](https://www.frixlaw.com/law-library/statutes/usc_t12_s5513.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/usc_t12_s5538. Check the current official text before relying on it. Not legal advice.